Get a Home Equity Line
of Credit (HELOC)
Release some of the accumulated equity in your home; or secure an additional loan using your property as collateral.
The new loan can be used for, amongst other things:
- Small projects such as renovation of your home or large projects such as purchase of another property
- Personal expenses such as payment for university dues or purchase of a wedding ring
- Making a vacation trip
- Increasing the amount of an investment or RRSP portfolio
- Paying off or consolidating of other debts such as credit cards or student loans
“No matter what your purpose is in taking a HELOC, FIRST CHOICE Mortgage will offer a complete range of professional services and find the most appropriate option for you.”
Why Choose Us?
First Choice Mortgage has been in the industry for years, we have sufficient data to speak for themselves.
800+
Successfully Completed Cases
100+
Millions Mortgage Approved
100+
Confidence with Our Experty
20+
Years Collective Experiences
Testimonials
I recently purchased a new apartment and had the pleasure of working with Patty Chen from First Choice Mortgage. Patty was incredibly helpful throughout the entire mortgage process. She provided my family with detailed explanations of different mortgage options, such as 3-year and 5-year fixed rates, as well as floating rates and helped us compare plans from multiple banks to find the lowest possible rate.
What impressed me the most was her responsiveness. No matter the time of day, Patty always replied promptly and answered every question with patience and clarity. She is professional, knowledgeable, and truly cares about her clients.
I’m very happy with the service she provided and highly recommend Patty and First Choice Mortgage to anyone looking for the best mortgage advice.
What impressed me the most was her responsiveness. No matter the time of day, Patty always replied promptly and answered every question with patience and clarity. She is professional, knowledgeable, and truly cares about her clients.
I’m very happy with the service she provided and highly recommend Patty and First Choice Mortgage to anyone looking for the best mortgage advice.
Chris Ng
12/03/2025
I cannot recommend David and Patty highly enough; they have helped me go through the process not once, but twice. They have always responded quickly to my inquiries with clear and detailed explanations, and also provided me with options along with suggestions when needed. I'll definitely reach out to David and his team again for future mortgage needs.
C C
11/15/2025
My husband and I were looking to refinance, and David was recommended to us by a friend of ours. At first we were unsure whether having a broker would be beneficial, however, as it turned out we have made a great decision! David and his team were beyond helpful. We were very impressed by their prompt responses, their professionalism, and their utmost patience in guiding us through the mortgage process (we had so many questions). The entire process was smooth, and we were able to complete everything before bank's set completion date. We highly recommend David and his team! Thank you!
C Tracy
11/13/2025
Patty and her team have been extremely helpful, professional and responsive. They were able to help me secure a rate that was much lower than what I could find elsewhere. Throughout the process they were also very patient while walking me through the process and answering my questions. They have also given me a lot of advice and options that fit my needs. I will definitely ask them for help for future mortgage needs and would recommend them to my family and friends!
Simpson Siu
10/28/2025
I was introduced to David and Patty through a friend and retained them to assist with my home mortgage. Throughout the entire process, they were patient in communicating with us, guided us in preparing all the required documents, and always provided timely and detailed answers to our questions. Especially when we were feeling stressed and exhausted dealing with endless requirements from the first bank less than a month before closing, they quickly put together better mortgage options for us, submitted a new application, and ultimately helped us get approved and close on time. Applying for a mortgage can be very stressful, but thanks to their hard work, much of that pressure was lifted. I’m grateful for their support and would be happy to recommend them to more friends in need.
Karen Chang
8/29/2025
Patty is very responsive, details and professional. She knows very well the process about what documents we have to prepare in advance, than follows our case closely. Finally she got a positive reply from bank to us within a week! We are impressed by her expertise and truly recommend.
Rachel Cheng
8/02/2025
David and Patty are efficient and perfectional. I did my first time mortgage with them. During the whole processing, I feel comfortable working with them. They are always patiently to answer questions then find the best solution for me. I highly recommend David, Patty and their team.
SEAN CHENG
6/11/2025
We recently bought a new place and chose First Choice Mortgage for our mortgage option. We had a fantastic experience working with David Yang, he and his team were incredibly responsible, responsive and informative, walking us through every step of the process with clarity and patience.
They took the time to explain our options, answered all our questions and made sure we fully understood and got the best interest rate. We truly felt like we were in good hands the entire time. Our case was a buy & sell within the same date in a very tight schedule. With their professionalism, we were able to get it done in time smoothly. We highly recommend David and his team to anyone looking for a knowledgeable and trustworthy mortgage professional.
They took the time to explain our options, answered all our questions and made sure we fully understood and got the best interest rate. We truly felt like we were in good hands the entire time. Our case was a buy & sell within the same date in a very tight schedule. With their professionalism, we were able to get it done in time smoothly. We highly recommend David and his team to anyone looking for a knowledgeable and trustworthy mortgage professional.
Diana Tai
6/11/2025












Testimonials
Joey C. and Meggy HJM Real Estate Group
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We have been working with Patty and David for many years now and on numerous deals. Responsible, knowledgeable, efficient and professional. They have diverse experience and provide flexible financial options for our clients to ensure they not only get their mortgage but plan out their future financial paths. They are a great team!
Kevin YClient
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Awesome news! I'd like to thank you and Clara for providing a great experience for a first-time home buyer like me. Everything was explained in detail and easy to understand.
Matt MClient
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Extremely efficient, professional, and effective. This company handled my refinance application quickly and with the best possible result. Communication is easy - all my questions and concerns were answered immediately, clearly, and to the point.












Mortgage Experts
DAVID YANG
Snr Mortgage Manager
PATTY CHEN
Snr Mortgage Manager
BRUCE NG
Mortgage Manager
SKI ZHOU
Mortgage Manager
CLARA CHOI
Snr Underwriter
ALLEN TSAI
Mortgage Manager